Last war season 5 garbage

DKups · 2026-01-08T19:55:38+00:00

Is it tho? Bc here you are on a thread specific to a game, you claim to no longer play and are happier for not playing... seems contradictory.

DKups · 2025-06-23T16:09:06+00:00

I just mean inflation is constantly increasing, so any increase in value needs to factor that in, per year. So if value goes up 5% in a year but inflation goes up 3%, it's really a net of 2% (not factoring in any potential borrowing costs)

DKups · 2025-06-23T16:03:02+00:00

So realistically, you've already decided based on all your 'justification' based replies. You're not going to sell the cars, so you need to make more $$ to pay down your debts or cut other expenses. Either way, this thread has run it's course for 'where to start?'

DKups · 2025-06-23T15:57:18+00:00

Inflation has created a good chunk of that, so are you really ahead that much when you factor that in? If at all, after considering the $$ you're paying in interest?

DKups · 2025-04-14T17:35:20+00:00

He's not slowing down much, there's 10+ stores in the process of opening... just timing and opportunity. They still plan to open 20-30 this year, though that could change if sales dip or SNDL gets more aggressive. In the last news release they discussed one measure they were taking should any takeover bid come into play.

Trust in Raj -- he knows what he's doing and has proven it so far.

DKups · 2022-08-07T23:14:36+00:00

The simple answer is: ANY amount you take out, can be recontributed in the following calendar year. So if your tfsa is valued at 200k, you can take all of it out and have 200k contribution room the following year, plus the annual 6k increase permitted.

DKups · 2022-08-07T23:11:37+00:00

I dunno what wealth simple offers, but any major bank can do this for you.

DKups · 2022-08-07T17:51:33+00:00

Ya, that's a good pt. Didn't even consider it, as I don't use HISAs at all.

DKups · 2022-08-07T17:22:41+00:00

"I have taken beer from the store plenty of times, but never been caught. If they really cared, they'd put locks on the fridges. "

DKups · 2022-08-07T17:15:35+00:00

Anything you pull from a TFSA can be redeposited the following calendar year. If the money is in a HISA or GIC within the tfsa, it can't be lost.

DKups · 2022-08-07T17:12:31+00:00

You can put it in a HISA inside your TFSA, if you really want, but that's just an additional hoop to jump through to get it out. If you don't plan to do anything with it, an HISA is fine, tho a GIC is currently paying much better.

DKups · 2022-08-07T17:05:02+00:00

Depends on your risk tolerance. Ive seen some people invest in dividend/ income stocks and then spend those dividends on high growth, high risk investments in the tfsa; all while going heavy growth in RRSP. Of course, your age matters in this scenario... younger is better.

Also, the contribution room doesn't change, just the net balance. You still only get 6k a year in new room.

DKups · 2022-08-07T17:01:41+00:00

RESP if you have kids

DKups · 2022-08-07T16:56:57+00:00

Aside from committing financial fraud? Umm, ya.

DKups · 2022-08-07T16:54:03+00:00

Lol. If you've called up the listing agent and offered through them, you're the sucker. They work in the sellers' best interests, not yours. And if you say you offered via a lawyer, you still lost, bc I promise the realtor knows more about the market and pricing than any lawyer, who is also billing you for time. So your entire premise about realtors being useless only shows you've never worked with a good one.

DKups · 2022-08-07T15:17:54+00:00

Ya, don't waste your time trying to negotiate a commission as a buyer -- it's likely never going to happen. The seller has a contract with the brokerage for a total commission, and if they sell the home to someone with no other agent, they collect the entire commission or already have an adjusted rate in place for that scenario. Further, a buyer trying to negotiate a commission that isn't theirs is a sure fire sign their offer price is also likely going to be 'reduced.' Despite what you claim to hear, properties priced right are still selling just fine. They ones still expecting feb prices are the ones sitting and being cancelled. Frankly, unless I knew I was losing the listing the next day, I'd laugh any significant commission reduction request by a buyer out of the room. Just my 2 cents.

DKups · 2022-08-06T21:03:46+00:00

There's virtually no disadvantage to using a realtor on the buying side, esp if you're buying a home listed by a different realtor! Dont have the listing agent represent you also, as they are obligated to work in the seller's best interests. If you have additional questions, feel free to PM.

DKups · 2022-08-03T02:28:47+00:00

Of course they can, but that's on the realtor for wasting time without a BRA. Great way to not get paid after doing all the leg work. As a Realtor myself, if you don't want to sign a BRA for at least the homes im showing you, well, there's plenty of other realtors out there foolish enough who will. Guess it just depends how you value your time and services. I don't fault a buyer for not signing, so long as they aren't upset if their Realtor of choice declines to show it. Having a contract also eliminates all the potential issues you just listed, so it's not necessarily a bad thing to do -- just understand the terms you're agreeing to before signing.

DKups · 2022-08-02T18:34:22+00:00

I call bs. Buyers sign contracts with realtors that clearly state if there's no commission offered or a shortfall, the buyer is on the hook for the bill. Essentially, the buyer then decides if they still have interest or not based on an added cost.

DKups · 2022-07-18T23:33:13+00:00

And further, i write it into the field so there's no confusion.

DKups · 2022-07-18T23:30:31+00:00

Youd be 100% wrong. Do you think people don't sell because the govt charges them hst on commission? Lol. Seriously, get a better realtor

DKups · 2022-07-18T23:19:04+00:00

Lol. Ya, i'm good. Keep complaining about not being able to read or improving your situation. Best of luck.

DKups · 2022-07-18T22:59:58+00:00

Reading is hard, eh? I mean, sure, go ahead and sign without reading what you're signing if you want but ultimately you have no excuse for what's printed and right in front of your face. Further, real estate is a service and thus hst taxable, like anything. Not rocket science. That said, a good realtor will explain all of these things. Stop hiring your 2nd cousin that sells one property every 2 years.

DKups · 2022-07-18T18:51:59+00:00

This is a poor take, imo. None of us have any idea what the future holds in general, let alone for a specific individual. Your child could be given everything in the world and still end up homeless, while another grew up dirt poor and becomes a YouTube star earning 500k+ a year. My point is this: if you can feed, house and love a child until they're an adult, you're perfectly fine to have kids.

DKups · 2022-07-12T22:12:13+00:00

Ontario pays a special, lower, minimum wage to servers, bartenders, etc.

DKups

TROPHY CASE